What Could A Small Patch Of Dry Skin Right Above My Nipple Be?

hello, i recently got a small patch of dry skin right above my nipple on my areola (left breast). it's kind of a circular patch about 1/4" in diameter. i've put regular cream, but they dont seem to help. i dont have insurance so i'd like to know if this is something major or maybe just some sort of fugus?? if fungus, how does fungus get there? i'm 28 and never been pregnant. thank you